credit repair: INSTRUCTIONS FOR REMOVING ID THEFT FROM YOUR CREDIT REPORT - 05/19/11 08:54 AM
INSTRUCTIONS FOR REMOVING ID THEFT FROM YOUR CREDIT REPORT 1. Place a fraud alert on your credit report — by contacting at least one bureau and by law they must share the alert with the other bureaus. 2. Initial alert — good for only 90 days — contact the bureaus and tell them you need to place an ID theft alert on your credit report. 3. Extended alert — good for 7 years — get and send an ID theft police report and a notarized ID theft affidavit to the bureaus. You also need to send in a copy of your … (0 comments)

credit repair: Credit Scoring Stats - 04/11/11 05:29 AM
Did you know? 25% of credit reports contain errors serious enough to result in credit denial 79% of the credit reports contained mistakes of some kind 54% of the credit reports contained misspelled, long-outdated, belonging to a stranger, or otherwise incorrect. 30% of credit reports contained credit accounts that had been closed but were incorrectly listed as open. Make sure to take a close look at your or your clients credit report to see what mistakes may be costing them thousands of dollars and the ability to buy a home in a great buyers market. Have a wonderful day, Jennifer - … (0 comments)

credit repair: Raise Your Credit Score 100 Points in 45 Days - 03/01/11 08:09 AM
How to Raise Your Credit Score 100 Points in 45 Days
Read below to raise your credit or listen to our tips online at http://www.box.net/shared/9msq6sv6cx
 
1. GET RID OF YOUR COLLECTION ACCOUNTS.
Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the overall credit score. When payment is made on a collection account, collection agencies update credit bureaus to reflect the account status as “Paid Collection”. When this happens, the date of last … (0 comments)

credit repair: How Credit Scores Are Determined - 11/03/10 04:47 PM
 
Many consumers know their credit score number, but few understand how scores are determined. As we noted yesterday, algorithms assign weighted values to five key financial factors to derive credit scores. By addressing these five factors, credit repair professionals can help consumers repair their credit and rebuild their credit scores. Having already covered payment history and credit report inquiries, we complete our discussion today.
 
Debt-to-credit ratio. Potential creditors look for a healthy balance between current outstanding debts and available credit, such as unused credit card limits, home equity and bank credit lines. For example, if you have charged $2,500 … (4 comments)

credit repair: Judments reported on the credit report after a Bankruptcy: Daily Q & A - 08/16/08 03:57 PM
 
New Daily Q&A’s
 
Judgment question: If a judgment is included in a Bankruptcy, should the "Amount" for the specific judgment be 0  and should "Status" for the same judgment show "satisfied" on the client's credit report? Reply: Any debt discharged in a BK would have the debt cloaked and a status code included to show that it was "included in BK."  I don't believe a satisfaction is ever filed. 
 
If it does not show included in BK then you need to contact the credit bureaus and have then change it.
 
For more information contact StrategicCreditCoach.com at 877-825-7885
(0 comments)

credit repair: How the Credit Scoring Model Works on CD Free - 07/17/08 06:51 PM
 
How the Credit Scoring Model Works on CD Free
 
For those who live in California we do LIVE credit improvement and overall financial health seminars for your office and or clients, it is about an hour and a half seminar. Read our testimonials to see how people go wow!
 
If you live anywhere in the US we can send you a Free CD of what we talk about in the seminar. We crammed the hour and a half seminar into only about 25 minutes so that you or a client can listen to it in a car on … (0 comments)

credit repair: LET’S TALK CREDIT REPAIR – WE WILL TRAIN YOUR OFFICE - 07/15/08 05:36 PM
 
LET’S TALK CREDIT REPAIR – WE WILL TRAIN YOUR OFFICE, FREE!
 
Give your Real Estate or Loan Broker office the edge!
 
Runtime: 90 minutes
 
National Trainer, radio personality, and passionate speaker Mickey O’Brien has daily interaction with consumers who have credit and overall financial health issues.
 
Mickey’s primary focus is to educate borrowers, Realtors and loan originators about subject of credit scoring and cleanup as well as their overall financial health.
 
Mickey takes the mystery out of how underwriters view the credit score, providing case studies and solutions to common challenges experienced by many borrowers. … (0 comments)

credit repair: Avoid credit repair scams - 07/14/08 05:01 PM
Avoid credit repair scams
Cleaning up your credit history could get you into more of a financial crunch if you hire the wrong company.
 
Here's how to not get conned.
These days’ banks are tightening up their guidelines and are clutching on tighter to the almighty dollar, making it harder to qualify for loans. This is a warning that some companies are using the credit crisis to take advantage of consumers who want to clean up their credit. Here are some top tips on avoiding these scams.
 
1: Get the skinny
According to the Better Business Bureau complaints … (0 comments)

credit repair: Top 7 Things NOT To Do (The 7 Deadly Credit Sins) - 07/10/08 06:37 PM
 
Top 7 Things NOT To Do (The 7 Deadly Credit Sins) 1. Do NOT attempt to repair your credit without being properly informed. You need to do your research before attempting to repair your credit file or you may do more harm than good. 2. Do NOT file bankruptcy until you have consulted a professional or non-profit agency. 3. Do NOT cancel all of your accounts and consolidate all of your credit cards into one. This will most likely harm your credit. Attempt to pay them down to under 30% of the limit of the card. Start on the smaller … (0 comments)

credit repair: Free Sample Debt Settlement Offer Letter - 07/10/08 06:02 PM
Free Sample Debt Settlement Offer Letter
Today's Date
Your Name Home Address Phone Number
Attention: {name of collector or collection agency}
RE: Collection letter dated {date of letter here} or phone call on {date of call here} reference account #: {account or reference number}
Dear {Collector's or Collection Agency's Name}
I do not agree that I owe as much as you claim I owe on the above referenced account. In an effort to save both of us a great deal of time and expense I am offering to settle this account for $ ________.  (see alternative text … (0 comments)

credit repair: Credit Repair: The Truth About What Can and Cannot be Done - 07/10/08 05:56 PM
Credit Repair: The Truth About What Can and Cannot be Done
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.
Any one with a credit score below 720 can benefit long-term from the advice and information provided through credit repair; however, there are times when your own limitations make adhering to this advice impossible.
The two limiting factors are: (1) your financial situation and … (0 comments)

credit repair: 5 Biggest Credit Mistakes & How You Can Avoid Them - 07/10/08 05:43 PM
 
5 Biggest Credit Mistakes & How You Can Avoid Them
Imagine spending a third of a million dollars more than someone else just because your credit score wasn’t as high as theirs. Unfortunately, it happens all the time. This happens all the time to consumers who have a lower credit score and are put into loans with higher rates and fees.
Here are some quick facts to get you started on your credit awareness and improvement campaign:
A "Good" Credit Score: Scores generally range between 350 and 850. A score of 720 or better is considered "Very Good" … (1 comments)

credit repair: How To Raise Your FICO Score 100 Points in 45 Days - 09/06/07 12:28 PM
How to Raise Your Credit Score 100 Points in 45 Days
Brought to you by www.StrategicCreditCoach.com the credit repair experts. 
GET RID OF YOUR COLLECTION ACCOUNTS.
Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the overall credit score. When payment is made on a collection account, collection agencies update credit bureaus to reflect the account status as “Paid Collection”. When this happens, the date of last activity becomes more recent. Since the guideline … (8 comments)

 
Jennifer O'Brien (Credit, Wealth & Success Coaching)

Jennifer O'Brien

Fair Oaks, CA

More about me…

Credit, Wealth & Success Coaching

Address: PO Box 125, Fair Oaks, CA, 95628

Office: (877) 825-7885

Fax: (877) 825-7885

Mission: We educate and coach people looking to improve their credit score and overall financial health so they are able to learn financial disciplines and achieve a more secure future. Vision: To raise the standard of living for all people and inspire them to live their passions and dreams and have piece of mind.


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